22.03.2015

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As a financial planner who specializes in retirement and Social Security planning, I want to know what your top questions about Social Security are. I read and answer every question, so here’s your chance to get your most pressing Social Security question answered. However, if you are working or have other income from pensions, IRA withdrawals or investments, then you could owe taxes on a portion of your Social Security. The amount of Social Security that is taxable will depend on your filing status and how much income you have.
However, in order to implement this strategy you must be at your full retirement age (age 66 for people born between 1943-1954).
Furthermore, in order for your husband to file for spousal benefits, you must have already filed for your benefits.
The strategies you asked about are great strategies, but they are only available to people who have already reached their full retirement age.
If I am collecting Social Security already and my husband is collecting also can I still be able to collect duel benefits? The average monthly Social Security benefit for a retiree in 2013 is estimated at $1,261, according to the Social Security Administration. Hopefully when you reach retirement, youa€™ll have a nice nest eggA to offset hurdles like vanishing pensions and unpredictable stock-market returns. But either way, there are certain actions you can take today to boost your Social Security payments during retirement a€“ and they can add up toA thousands of extra dollars in your golden years. If you experience a jump in salary, youa€™ll likely boost your future earning potential and may see an increase in your Social Security payments down the road a€“ since as we just explained, Social Security takes into account the 35 top-earning years of your career. The same logic applies: If you earn more each year, youa€™ll likely increase the amount you get in Social Security when you retire.
You can begin collecting Social Security benefits as early as age 62, but you might not want to: Your benefit will be reduced by 25 percent for life.
When considering this strategy, ita€™s particularly beneficial for the higher-earning spouse in a marriage to hold out until age 70 to increase the total benefits the couple will receive throughout their lifetime. If youa€™re unsure about the best time to claim benefits based on your individual budget, health, life expectancy, or other factors,A useA online resources to help you decide.
If youa€™re married, youA have a choice: You can either take the benefit based on your work history, or half your spousea€™s benefit. You can also claim Social Security benefits based on an ex-spousea€™s work record if you were married for at least 10 years.
If you start taking benefits before reaching your full retirement age, employment elsewhereA can reduce your Social Security checks. For example, say you started taking Social SecurityA in 2012A at age 62 and your full retirement age is 66. If 2012 was the year you reached full retirement age, you could have earned up to $38,880A prior to the monthA you turned 66. After you reach full retirement age, you get your full benefit no matter how much you earn. A dual-income retired couple may be able to claim spousal benefits, thenA later switch to payments based on their own work record. There are lots of strategies like this to maximize Social Security.A As you approach retirement age, be sure and do lots of reading. When you start collecting Social Security benefits, unmarriedA dependent children under age 18 may qualify to receive benefits worth up to half of your full retirement benefit amount. If the sum of your adjusted gross income, nontaxable interest, and half your 2012 Social Security benefits exceeds $34,000 ($44,000 for couples), up to 85 percent of your benefits may be taxable. Your Social Security benefits are protected from most debt collections, but they can be taken to collect unpaid federal taxes, federal student loan balances, and child support or alimony. Share This:Karla DennisAs seen in Forbes Magazine, Karla Dennis is an expert tax and business strategist. Anyway, thanks for Your help again, I’m telling You this is really the first time for us when I really enjoyed tax preparation! The staff of Karla Dennis And Associates, Inc.™ has a level of professionalism like no other.
As seen in Forbes Magazine, Karla Dennis is an expert tax and business strategist.As an enrolled agent, Karla is licensed to represent taxpayers in all 50 states. Randal Howard "Rand" Paul (born January 7, 1963) is an American physician and politician from Kentucky. Born in Pittsburgh, Pennsylvania, Paul attended Baylor University and is a graduate of the Duke University School of Medicine. Randal Howard Paul[7] was born on January 7, 1963, in Pittsburgh, Pennsylvania, to Carol (nee Wells) and Ron Paul. In 1995, Paul passed the American Board of Ophthalmology (ABO) boards on his first attempt and earned board-certification under the ABO for 10 years. Prior to this, in 1992, the ABO had changed their certification program, which had previously awarded lifetime certifications, instead requiring doctors to recertify every 10 years. By Paul’s estimate, about 50 or 60 doctors were certified by the NBO.[29] The NBO was incorporated in 1999, but Paul allowed it to be dissolved in 2000 when he did not file the required paperwork with the Kentucky Secretary of State's office. In February 2014, Paul joined the Tea Party-affiliated conservative advocacy group FreedomWorks in filing a class-action lawsuit charging that the federal government's bulk collection of Americans' phone records metadata is a violation of the Fourth Amendment of the U.S. At the beginning of 2009, there was movement by political supporters of his father to draft Paul in a bid to replace beleaguered Republican Kentucky senator Jim Bunning.
On May 1, 2009, Paul officially confirmed that if Bunning, whose fundraising in 2009 matched his poor numbers in opinion polling for the 2010 election,[57] declined to seek a third term, he would almost certainly run in the Republican Party primary to succeed him,[58] and formed an exploratory committee soon after, while still promising to stay out of the race if Bunning ultimately decided to run for reelection. On July 28, 2009, Bunning announced that he would not run for reelection in the face of insufficient fundraising.
Although Grayson was considered the frontrunner in July 2009,[68] Paul found success characterizing Grayson as a "career politician" and challenging Grayson's conservatism. On March 2, Paul was one of nine senators to vote against a stopgap bill that cut $4 billion from the budget and temporarily prevent a government shutdown, saying that it did not cut enough from the budget.[91] One week later, he voted against the Democratic and Republican budget proposals to keep funding the federal government, saying that both bills did not cut enough spending. On March 6–7, 2013, Paul engaged in a filibuster to delay voting on the nomination of John O.
In response to Detroit's declaration of bankruptcy, Paul stated he would not allow the government to attempt to bail out Detroit. In October 2013, Paul was the subject of some controversy when it was discovered that he had plagiarized from Wikipedia part of a speech in support of Virginia gubernatorial candidate Ken Cuccinelli. In response to political turmoil in Ukraine in early 2014, Paul initially said that the US should remain mindful of the fact that although the Cold War is over, Russia remains a military power with long-range nuclear missiles. In response to reports that the CIA infiltrated the computers of the Senate Intelligence Committee, Paul called for the firing of CIA Director John O.
Paul was considered a potential candidate for the Republican nomination for the Presidency of the United States since at least January 2013.[138] He delivered the Tea Party response to President Barack Obama's State of the Union address on February 13, 2013,[139] while Marco Rubio gave the official Republican response.
In a speech at the GOP Freedom Summit in April 2014, Paul insisted that the GOP has to broaden its appeal in order to grow as a party. Rand Paul at the launch of his Presidential campaign at the Galt House Hotel in Louisville, Kentucky, on April 7, 2015. A supporter of the Tea Party movement,[162][163] Paul has described himself as a "constitutional conservative".[164] He is generally described as a libertarian, a term he both embraced[165] and rejected[166] during his first Senate campaign. Rand opposes all forms of gun control as a violation of Second Amendment rights, including provisions of the Patriot Act.[187] His advocacy of personal property rights includes introducing House Bill S. In February 2015, Paul suggested that states should not require parents to vaccinate their children because parents should have the freedom to make that decision for their children. Jump up ^ "Rand Paul's Doctor Credentials Questioned for Lacking Top Board's Certification". Jump up ^ "Legislators Honored as Anti-Tax 'Heroes' But Several Honorees Recently Voted for Tax". Jump up ^ Jack Brammer Senate ads trade barbs on defense Lexington Herald Leader February 27.
Jump up ^ "More raw video: Rand Paul sits down with Joe Arnold to address recent controversial statements". Jump up ^ "Rand Paul: 'Big Government's Not A Friend To Those Who Are Trying To Get Ahead'". Jump up ^ "Tea party State of the Union 2013 rebuttal: Rand Paul response (full text, video)".
Jump up ^ "Rand Paul says America has a 'moral crisis' when it comes to gay marriage - Christian News on Christian Today". Jump up ^ "Rand Paul No-Show at Senate Vaccine Hearing In The Wake Of Controversial Comments".
Oh, that's right, JFK actually DID get a bullet in the head (from the FED's Sicilian Mafia). From our perspective, the cloud is now a tried and tested infrastructure environment that is acceptable to the institutional investor community.
Where managers need to spend their time is deciding on the best cloud provider to work with, as opposed to thinking about whether or not they should use a cloud provider in the first place. There are clear indicators to look for and expect from a cloud services provider with whom you wish to entrust your firm's technology lifeblood. When entering into a new partnership, you want to feel confident that the other side understands you and appreciates your unique qualities.
One of the great benefits to leveraging an outsourced cloud provider is that it checks off an important box on your task list.
We're all concerned about the potential for a security breach to wreak havoc in a business setting, and preventing such an occurrence is not an easy feat.
The typical auto-reply includes a brief explanation of why the recipient is out of the office, an approximate date of return and who the sender can alternatively contact. Auto-replies that disclose travel details pose a physical threat as they provide criminals or intruders with the recipient’s whereabouts. Perhaps this person is the safeguard to financial records, or a security officer at the company’s front entrance. Out-of-office notifications enable attackers to expand their reconnaissance of an organization.
Cybercriminals can target the alternate contact provided in the automatic response for a spear-phishing campaign, which typically involves an email, IM or text message requesting you to verify information by clicking on a link or completing a form. Following is an example of the type of phishing or imposter emails that enter employees’ inboxes.
Paul defined cybersecurity and scalability as two primary technology considerations for new managers. Paul continued to place emphasis on customized IT, stating that when it comes to outsourcing, it is imperative that a firm carries out proper due diligence in choosing a provider to meet the firm’s unique needs.
In addressing the SEC’s increasing cyber expectations, Paul noted the importance of having a Written Information Security Plan (WISP) in place.
In addition to WISP development and implementing additional policies (Access Control, Personal Information Security, Incident Response, etc.), and, of course, employing layers of security across infrastructure, employee awareness and training is the last critical piece of the puzzle. Paul concluded by describing the five most common mistakes new launches make during the start-up phase, and how to avoid them. You haven’t fully considered the multiple roles technology plays in your current work environment. At the heart of authentication is controlling access to ensure individuals only access the information they need. As part of Information Security Planning, firms should also identify applications, services or websites that require at least one level of authentication (e.g.
Knowledge based, which centers on something you know such as a password or answer to a security question.
Possession based, which is linked to something you have such as a cryptocard, mobile device or ATM card.
Speaking of a second authenticator, multi-factor authentication is established by requiring two of the above factors.
Putting a specific two-factor authentication product in the spotlight, Eze Castle Integration has added Duo, a two-factor authentication tool, to our Eze Managed Suite offering to provide an added layer of security and protection. With Duo, users leverage their smartphones for authentication, eliminating the need to carry extra devices, like tokens, fobs and key cards.
But there is another trap you should be wary of, and that’s the one hackers are setting for you right now. A cyber attacker will send you a message that appears to be from a reliable source, prompting you to open it. In traditional phishing, cyber criminals send out messages to millions of users trying to infect as many users as possible. Many firms create a 10-20-page written information security plan that formalizes the definitions and policies that govern the creation, access, and deletion of confidential information and computing services.
Regulatory Risks – Following the right security practices will enable you to achieve clean audits from industry and government regulators. Personal Email – Even if your employee is following all of your processes and practices with work-related email, you could still be vulnerable if her private, personal email is breached or corrupted. By developing an internal culture of security, the organization does far more than deploy and configure bits and bytes.
The cybersecurity landscape is constantly changing and today the cyber threat actors range from organized crime to state sponsors. When it comes to advanced persistent threats, the cyber criminals often use targeted social engineering tactics including spear phishing. Real-time intrusion detection and prevention systems that include 24x7 monitoring by security experts are a key defense in finding and stopping network intruders. Show investors that you have a 3+ year budget for working capital without any performance fees.
Make sure to properly allocate expense and investment opportunities if you decide to launch a single investor fund or separately managed accounts.
When it comes to seed arrangements, pick the right partner and put parameters around potential issues that could arise. Become familiar with the changing expectations on the cybersecurity front, from both investors and regulators. The Cybersecurity Interpretive Notice applies to all membership categories--futures commission merchants, swap dealers, major swap participants, introducing brokers, forex dealer members, commodity pool operators and commodity trading advisors. But whatever approach is taken, the Cybersecurity Interpretive Notice requires Members to adopt and enforce an information systems security program (ISSP) appropriate to its circumstances. Description of ongoing education and training related to information systems security for employees. NFA recognizes that some Members may face a significant challenge implementing ISSPs by the March 1, 2016 effective date, and any programs that are adopted will be refined over time. Eze Castle Integration’s Cybersecurity Practice Team is available to create Written Information System Security Programs for firms. Operating capital may be limited in the first few years after your launch, so careful budgeting and long range planning will serve your firm well. Governmental oversight of the financial industry has evolved dramatically in the last decade. Apart from registration, you should also determine if there are any legislative implications for your new firm.
Since 2014, cybersecurity preparedness is also a critical area of focus for regulatory bodies.
Cloud services offer more flexibility than traditional infrastructure models and, beyond cost-savings, can reap rewards for new launches. Of course, one of the greatest benefits to using an outsourced cloud service is professional management and monitoring.


Beyond infrastructure safeguards, it is critical that firms implement policies and procedures to protect firm and client assets.
While the list of considerations is surely long for new hedge fund managers, we've whittled it down to 10 Keys to Launching a Hedge Fund Successfully - a guide for new startups to use when setting off on their new journey. We at Eze Castle Integration have identified the top four reasons why backups are critical to not only a firm’s growth, but also their survival.
The Securities and Exchange Commission (SEC) has instituted regulations on the storage of financial records and electronic communication, and financial industry regulatory agencies such as FINRA now provide standards and guidance information on potential threats.
The reasoning behind these recommendations is the volume of things that can go wrong with your data storage solution. Regulatory and compliance organizations recognize the necessity of data security and advocate for firms to have a comprehensive backup solution in place.
As reported by Gartner in the 2015 Gartner MQ Report for Enterprise Backup Software and Integrated Appliances, by 2017, the number of enterprises using the cloud as a backup destination will double, growing from twelve percent (12%) today. Consider the impact to your business if you lost the data held in your CRM, financial, or reporting systems. Backups should be an integrated part of not only the IT department, but of the overall business strategy. Businesses invest large amounts of time, money and resources into their operations; however, most are lacking a plan to protect this hard work. Because the security of data is imperative, it’s critical that firms choose the right provider to maintain tight control and visibility over business critical information. In some cases, however, insurance coverage has not satisfied the demands of firms and instead left them feeling scammed a second time. One example of this comes from Texas where a manufacturing firm is suing their cyber insurance provider for refusing to cover a loss that came at the hands of a phishing scheme. Situations like these are reminders for Chief Financial Officers and Risk Officers to carefully comb their cyber insurance policies to gain a comprehensive understanding of what exactly is covered – and what is not. Given the risk landscape, it is no wonder companies of all sizes continue to be subject to increasing data breach liability, both in the form of single plaintiff or class action lawsuits and regulatory investigations and proceedings.
Plaintiffs in data breach class actions typically allege that businesses failed to adequately safeguard consumer information and gave insufficient and untimely notice of the breach.
Companies affected by a Cyber breach may also face liability to third parties, which may result in defense costs, settlements, judgments and, sometimes punitive damages. It seems that every hour emerging innovations and dynamic social platforms open the threshold of new opportunities to share and attain information. When it comes to social media engines, when did people become the mindless machines pumping out sensitive information? Think of other websites you frequently utilize that require passwords and personal details.
We select these Q&As to safeguard our personal accounts, but overlook other platforms we might have shared this information on previously. The Internet of everything is so interconnected these days that it seems routine to grant access from one outlet to the other. Additional recent hacks include video gaming site Twitch, toymaker VTech and the latest, open source tool Socat. If I file for my benefits and defer my claim, can he claim my spouse benefits now and switch to his own benefits at FRA 66 or later and receive his own full benefit? I am about to turn 70 years of age, am working pat-time and have been on my late husband’s policy for 4 years. If you work fewer years, youa€™ll have years with zero income averaged in a€“ which will lower your payout.
To get your full payment, wait untilA you reach full retirement age a€“ currently 66 for anyone born between 1943 and 1954. Thanks to what the Social Security Administration calls a€?delayed retirement credits,a€? benefits increase 8 percent each year you delay tapping into Social Security a€“ up till age 70. In the event that the spouse with the higher benefit passes away, the surviving spouse will receive the higher payment.
You may be able to repay all the benefits you received so far and restart them at a higher level based on your age. So if your spouse earned a lot more than you did, and has a higher benefit as a result, compare and see which will pay the most.
Doing so doesna€™t reduce their check or otherwise impact them.A In fact, theya€™ll never know you applied. If the husband files for benefits, the wife could opt for half her husbanda€™s benefit, while still earning money and letting her benefit grow.
You can minimize this expense by using certain tax-saving moves, such as investing inA annuities that allow you to earn interest that isna€™t taxed until you withdraw it. Although inaccuracies are uncommon, some scenarios lend themselves to a greater chance of error a€“ such as a name change your employer failed to update on company records. For example, if you’re expecting a shorter lifespan, you might want to start receiving your Social Security earnings early. It’s created to adjust your earnings, so your benefits keep up with the cost of groceries, gas, rent, and other services. She holds a Masters in Taxation and Business Development and is the author of two books, Tax Storm and Against the Odds. In office since 2011, Paul currently serves in the United States Senate as a member of the Republican Party.
Paul began practicing ophthalmology in 1993 in Bowling Green, Kentucky, and established his own clinic in December 2007. He has held a state-issued medical license since moving there in 1993.[24] He received his first job from Dr. Those who already been given lifetime certification were allowed to keep it (according to the ABO, they would not legally have been able to rescind these certifications).[29] Shortly after this change, Paul began a campaign to protest it.
Senate candidate Rand Paul greeting supporters at Bowman Field in Louisville, Kentucky on November 1, 2010. The announcement left only Paul and Secretary of State Trey Grayson as the remaining candidates for the Republican nomination,[60] with Paul announcing on August 5, 2009, that he would officially run for the U.S.
This proposal included cutting the Department of Education by 83 percent and the Department of Homeland Security by 43 percent, as well as folding the Department of Energy into the Department of Defense and eliminating the Department of Housing and Urban Development. To do so, he said it cannot be the party of "fat cats, rich people and Wall Street" and that the conservative movement has never been about rich people or privilege, "we are the middle class", he said. They live in Bowling Green, Kentucky, where she is a freelance writer.[200] They have three sons. They have become very thorough in their operational due diligence process, understanding exactly what cloud providers provide from an operational, management and security perspective.
Employee awareness and training are arguably the most important factors in preventing a workplace security incident, but let's not overlook the technology must-haves.
To let your clients, partners, colleagues, and the like know that you won’t be able to respond to their emails, you create an out-of-office message.
You may also list your chain of command and if you manage multiple departments, perhaps include the names and contact information for each division. Regardless of whether location is provided, one can link travel dates to a popular financial industry trade show. Criminals can deduct from this message which key personal are not present onsite, exposing a gap in the hedge fund’s security posture. We hear and read stories too often about employees being victims of social engineering schemes. Enacting and employing policies to mitigate security risk is critical, but documenting those policies is equally as important -- not only to meet the demands of the SEC, but to demonstrate to clients and investors that your firm takes cybersecurity preparedness seriously. Policies can be documented, Paul explained, but if employees are not trained to identify and mitigate cyber risks, the policies will be ineffective in protecting a firm.
In reality, a successful approach means negotiating, purchasing and deploying multiple systems from multiple service providers.
Before you commit to any tech solutions, envision how your fund will look in the long term. Consider the work you’re doing as an employee, and consider which systems supported that work. Acknowledge that you will require IT systems to build servers, manage networks, and handle day-to-day needs. With stories of password compromises becoming more common it is important to understand the types of authentication factors available and good computing practices. This is the most commonly used authentication factor and potentially the weakest if strong password and change requirements are not enforced. When using a mobile device, for example, a one-time password (OTP) can be generated to provide access for only one login session or transaction. Apple notably introduced inherence factor authentication with its iPhone TouchID biometric fingerprint reader. This means that in addition to providing a password for access, a user would also need to provide a separate PIN number, for example. Duo combines modern two-factor authentication with advanced endpoint security solutions to protect users from account takeovers and data breaches.
Phishing is a psychological attack used by cyber criminals in order to trick you into giving up personal information or taking action. If the email appears to be from a legitimate organization but the address is a personal account (Gmail, MSN, Hotmail, Yahoo) it is probably an attack. If your friend or colleague sends you a strange message, their account may have been attacked. That can be everything from a definition of personally identifiable information (PII), a description of user access privileges and roles, or policies regarding USB thumb-drives. It commits to defining and following thoughtful, far-ranging policies to eliminate the needless internal vulnerabilities that often go unrecognized. APT intrusions are often focused on high-value information and sectors such as the financial industry. In a spear phishing incident, criminals target specific companies or individuals and conduct background research to compile employee names, titles and contact information. Not only must emerging managers evaluate traditional deployment strategies, but consider current factors influencing the financial landscape.
There was quite a bit of content discussed during the 1-hour event, so we’ve pulled out some key takeaways. Target those who have a history of being receptive to founder share class and who may offer lower management and performance fees. Recognize where the private cloud has an edge: high-touch, industry-specific service and support, scalability and application integration, and security and compliance. Value is derived from knowledge of the application, knowledge of business, and having a dedicated support team.
The NFA's Interpretive Notice to NFA Compliance Rules 2-9, 2-36 and 2-49 entitled Information Systems Security Programs requires Member firms to adopt and enforce written policies and procedures to secure customer data and access to their electronic systems. Executive-level participation and annual review of the information security program is expected.
NFA expects to devote appropriate resources, such as providing additional guidance, to assist Members as they develop and implement their ISSPs.
Don't forget to visit Hedge IT on Thursday as we reveal the last of our key considerations for starting a hedge fund. Hedge funds, private equity firms and registered investment advisers now operate in a world where they are beholden to regulatory bodies with growing expectations and requirements. The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, which redefined the registration requirements for hedge funds, also set forth new reporting requirements and standards for safeguards. With the prevalence of cyber threats and attacks, the SEC’s Office of Compliance and Examinations (OCIE) has incorporated cybersecurity into its examination targets.
Firms can add users nearly instantly – a welcome benefit for startups looking to ramp up quickly. You can do this by conducting employee awareness training to keep all users informed and educated about the cyber environment and the threats that may arise. And be sure to come back to Hedge IT later this week when we'll be sharing an excerpt from our brand new whitepaper on the same topic!
Regulatory agencies and investors now expect businesses to have backup solutions and comprehensive record-keeping practices. In addition, international regulators such as the FCA, a financial regulatory body in the United Kingdom, are also demanding firms to have a data backup solution.
From hardware failure, software corruption, virus or network security breaches, to natural disasters and human error, the threat to your data is endless. Businesses that demonstrate that their data is secure and backed up have a competitive edge when security questions inevitably come their way.
And by 2017, seventy-five percent (75%) of organizations will have replaced their remote-office tape backup with a disk-based backup solution that incorporates replication, up from forty-five percent (45%) today. A SMB Disaster Preparedness Survey by Symantec found that downtime costs small businesses an average of approximately $12,500 per day and medium businesses $23,000 per day. Eze Castle partners with KeepItSafe, a leading provider for managed online backup and recovery, to deliver our Eze Vault services.
As hackers become savvier and cyber schemes more elaborate, many firms are relying on cyber liability policies to add an extra layer of protection.
Governments are facing an unprecedented level of Cyber attacks and threats with the potential to undermine national security and critical infrastructure. Negligence, breach of fiduciary duty and breach of contract are just some of the allegations that a company may face as a result of a systems failure or lax security that compromises the security of customers’ personal information or data.
Companies may also face class actions from banks and credit unions seeking damages for administrative expenses, lost interest, transaction fees and lost customers. For example, 25 class action lawsuits were settled in the wake of a retailer’s 2007 data breach involving the theft of data related to over 45 million credit and debit cards. Third parties bringing lawsuits against businesses for damages are increasingly seeking to expand the nature of injuries and remedies sought in light of early case law which determined that there was no injury in fact sustained by the Cyber breach and thus no standing to sue. The enactment of ITERA and the growing recognition in the business community that time spent repairing credit may constitute an injury in fact, may create an increased willingness of courts to find consumer standing to bring such actions and thus an increased liability risk to businesses. Typical data requested from social sites may include your full name, age, sex, birthday, relatives, photos, account access, etc. Conceivably, if you scroll through your status updates and photos on Facebook you could find all of these personal facts. So routine in fact that cybercriminals have realized the window of opportunity presented by these information gold mines. The latter was announced earlier this week in a security advisory warning of a crypto weakness so severe that it may have been intentionally created to provide criminals a furtive means to eavesdrop on protected communications. Rather than being like Bill, we need to be more aware of the automaticity of our behaviors and tendency to trust sites while browsing the web. When she turns 70, she could drop the spousal benefit and file for benefits based on her own work record. If you have other income coming in and can afford to wait, then you may want delay claiming your benefits.
Also, if you have children under 18 years old when you’re 62, you may get more by claiming early. As you work on your taxes, you may want to use this time as a reminder to check your Social Security records. Each year, Social Security has a cap on the amount of income that you pay Social Security taxes on.
She holds a Masters in Taxation and Business Development and is the author of two books, Tax Storm and Against the Odds.Karla, CEO of consultancy firm Karla Dennis And Associates, Inc.™, has saved her clients thousands of dollars and has been featured in various media outlets such as Forbes, MSNBC, KTLA, Yahoo!


When we started investing in Real Estate we quickly realized that while our our tax professional was very good at tax preparation prior to our RE investing , he was clearly not an expert in all of tax laws and intricacies that go into Real Estate Investment.
At the time, Duke did not require an undergraduate degree for admission to its graduate school. John Downing of Downing McPeak Vision Centers, which brought him to Bowling Green after completing his residency.
Paul questioned the Obama administration's use of drones and the stated legal justification for their potential use within the United States.
Putin must be punished for violating the Budapest Memorandum, and Russia must learn that the U.S.
Paul also said that conservatives must present a message of justice and concern for the unemployed and be against government surveillance to attract new people to the movement, including the young, Hispanics, and blacks[144] During the 2014 election, Paul launched a social media campaign titled "Hillary's Losers" which was meant to highlight many of the Democratic candidates that lost their bids for the U.S. And while the thought of hosting IT offsite was once a worry for allocators, today's investors find comfort in knowing hedge fund and alternative investment firms are focusing on their investment priorities and leaving the technology decisions to the experts. This has allowed managers to become much more comfortable at appointing a cloud provider to deliver an infrastructure that will perform well in any type of trading environment. Although this may appear innocuous to the untrained eye, those who are well-versed in information security, or simply read the latest cybersecurity headlines, would immediately cringe at the various red flags.
As their knowledge roadmap of your organization expands, so too do their odds of attaining trust from within.
From downloading a malicious virus to falling for a wire transfer scam, these occurrences not only have financial implications to an investment firm but can also impact an employee personally and directly. Note the sender email address, which includes Eze Castle Integration’s domain, the balance due amount and the type of company (medical) sending the invoice.
One of the most common mistakes new launches make, according to Paul, is assuming that they only require the basic bare minimum in terms of technology. Brand and reputation, long lasting relationships with clients, and industry experience are some of criteria Paul feels are most important when selecting a service provider.
The goal of a WISP, Paul continued, is to protect the confidentiality, integrity, and availability of critical information, information assets and sensitive materials for your firm and those of your clients. Firms should require passwords to be at least 12 characters in length, changed at least every 90 days, and not be reused. Another place this factor is common is for granting access to a data center – firms may want to use biometric screening as a second authenticator.
Oftentimes the email domain will be missing a letter or have letters reversed, so you'll have to pay close attention. Also, hover your mouse over the link before you proceed to make sure that it is taking you where it claims to.
The bank believes hackers executed a hack that allowed $81 million to be taken from the bank’s foreign exchange account at the Federal Reserve Bank of New York. And the way that starts to happen is through systemic and comprehensive training practices.
Prepare an institutional set of documents up front if you are looking to attract institutional money versus high net money. They include risk assessment, governance, training, access control, vendor management, and information sharing.
Additionally, firms must provide employees training during the onboarding processes as well as periodically during employment.
For example, system safeguards such as data protection, disaster recovery measures and email archiving are requirements under Dodd-Frank. Having released two extensive questionnaires and several risk alerts focused on security, the SEC has made it clear to investment firms that they will be investigating the practices employed at firms and increasing expectations for the future. Startups have a variety of options when it comes to settling on their technology infrastructure. Users can gain access to email, file services and applications from virtually anywhere, and built-in disaster recovery provides confidence that everything is protected from the inside out.
Users should understand how security threats may present themselves (phishing schemes, social engineering, etc.) as well as how they can become cybersecurity assets to your firm.
Successfully operating a new startup beyond the first year is a feat many managers struggle to accomplish, therefore it's critical for emerging managers to gain a full understanding of the industry that awaits them and the hurdles they should expect to face. Understanding the need and importance of implementing a backup solution can add instrumental value to your business. With today’s financial services companies managing exponentially growing volumes of sensitive data, the risk of loss grows as well. If something were to happen to the data center where your production system lives, you can resume operations in DR. Having a third-party backup solution provides geographic diversity of data assets, which is key for a complete business strategy.
Recently, KeepItSafe highlighted the success of a backup and recovery case when a company’s servers crashed, and with it, so too did their records of billing history, accounts receivable and accounts payable.
Similarly, businesses across a wide range of industry sectors, particularly those in the health care, retail and financial services industries1, are exposed to potentially enormous liability and costs as a result of Cyber incidents and data breaches. Increased regulation at federal and state levels related to information security and breach notification is expanding the legal avenues that may be pursued.
Behavior quizzes offer entertainment to discover your celebrity and fairytale doppelgängers, or breakfast food and ice cream personality matches. These sources generally ask us challenge questions as an additional level of security, such as, the make of our first car, hometown city, high school mascot or nickname. Criminals began creating faux, malicious versions of the app that asked users to sign into Facebook to generate their personal meme. If your partner earns significantly more than you do, you might be able to collect higher benefits based on your partner’s earnings.
If you earn a high income, some of your income-producing years might exceed the limit, and the excess income won’t be used in figuring your average income amount. Finance, and SmartMoney, marking her as the ultimate tax expert.As of 2014, Karla became the new host on the “Mind Your Business” radio show, KTLK AM 1150, sharing her financial and business knowledge with the greater Orange County and Los Angeles areas. Just as we all probably have a great Family Doctor, if we needed specialized eye care, we would be referred to an opthalmologist – a specialist in the field.
Beyond industry experience, take note of a service provider's reputation in the industry. Wouldn't it be easier to engage with a provider that features solutions and services to complement your firm's entire IT foundation? In selecting a cloud services provider, you want a partner who can grow with your firm, even if today that firm is only made of a handful of employees.
Hackers will attempt to convince an employee to breach normal email security procedures or trick them into downloading malicious malware, spyware or codes. You may (and hopefully do) have advanced email security mechanisms in place, but you still have to train your employees because scams are only going to get more sophisticated. He urges new managers to pick an IT solution with operational growth in mind -- considering the business not at the onset, but in three to five years. It appears that the initial point of entry for the hackers was a spear-phishing email, potentially sent weeks before the fraud took place, which allowed the criminals time to remotely monitor and probe the bank’s networks without detection.
Obtaining such details and observing communications provides criminals with the tools to mirror email addresses, website URLs and dialect. Regardless of the assets your firm is launching with, you will be expected to have sophisticated and comprehensive policies and procedures in place from day one to combat cyber threats. With the birth of cloud technology, firms can save on upfront capital expenditures and host their infrastructure in the cloud – providing flexibility within those startup budgets.
A reputable cloud services provider not only provides world-class infrastructure and resiliency; it also assumes responsibility for the management and daily maintenance of your cloud environment. Investors also have high expectations, and before they will even consider allocating money to your firm, they want to understand what protections you’ve put in place to protect their assets. However, if something is deleted in the production environment, that action is typically mirrored, thus deleted in DR as well.
DR allows the rapid recovery of IT operations while cloud backups provide another layer of protection by leveraging a third-party vendor to secure your data in an alternative location. More recently, in 2014, two major retailers reported that the total costs of data breach and related class action lawsuits (less expected insurance recovery) was estimated at $63 million and $191 million, respectively.
In 2014, the agency issued a press release announcing its 50th Data Security Settlement on behalf of consumers. To partake in this social extravaganza, we hand over our personal information freely, forgetting its value somewhere between each hashtag and viral post. Through the app, users may customize their characters by simply providing their first name and gender on the Blobla website.
Once the criminals were logged in, they stole account details and infected computers with spyware, viruses and malware. In this tug-of-war of security and connectivity, users can regain control of their personal information.
They use the income from your highest-earning 35 years, indexed for inflation, to figure out what your average yearly income was. As a supporter of women’s rights and issues, Karla is part of the Women Network, an organization built to educate and mentor women. Likewise, Karla Dennis and the staff members at Karla Dennis And Associates, Inc.™ are tax preparation specialists for Individuals, Real Estate Investors, C-Corp, S-Corp and LLC’s.
They also make sure I have a tax plan every year that is revised through out the year so that I know where I am financially. They lengthen the runway for a smoother take off providing us with the ability to adjust and make changes ahead of time.
He urged that the US impose economic sanctions on Russia and resume an effort to build defensive anti-missile installations in Poland and the Czech Republic.
Given father Ron's libertarian convictions, people often assume that he is named after the self-styled 'radical for capitalism' who wrote Atlas Shrugged. A candidate’s popularity with the Conservative Political Action Conference hasn’t necessarily been a great predictor of his or her success with the larger GOP electorate, as attendees tend to have a stronger libertarian bent than the Republican majority. Whether the victory for Paul will have long-lasting benefit is unclear since his libertarian views may not have broad appeal in the Republican Party.
In a shift first reported by the Lexington Herald-Leader, a McConnell aide said the senator had decided to support Mr.
They thought all along that they could call me a libertarian and hang that label around my neck like an albatross, but I'm not a libertarian.
His recent comments on gay marriage—“personally offended” and “moral crisis”—created a libertarian backlash. If their resume touts long-standing relationships with clients just like your firm, that's a telling sign.
Think: disaster recovery, email archiving, information security planning, telephony services. If all goes well, that number will grow over time, and you'll need an IT solution to grow along with you. Fortunately, experienced IT providers have the ability to invest heavily in security protections that can detect and prevent outside cyber threats and can even help train your staff to ward off internal incidents. The service provider should not only address day-to-day operations but also anticipate potential problems down the road.
Phishing now refers to any message-based attack, whether that be email, IM, or on a social media network.
The end result is the criminal’s identity masqueraded as a legitimate, trustworthy source.
Be sure to enable your firm’s processes to comply with SEC recommendations including risk assessments, infrastructure practices, policy documentation, etc. With hackers savvier than ever and financial firms as known targets, it’s critical that firms establish a comprehensive approach to security to not only meet investor and regulatory demands but also to protect firm assets and mitigate business risk. Backups, on the other hand, create an offline copy of your data which is not accessible except to restore, sometimes utilizing a third-party vendor to store that data in an alternate location. The importance of protecting this data is interconnected to the importance of the overall operations of the business. And, this year, two major health care companies are separately facing several lawsuits as a result of data breaches that reportedly exposed the personal records of 80 million and 11 million people, respectively. One of those settlements involved the much publicized 2006 settlement with a data aggregation company wherein the company agreed to pay $10 million in civil penalties and $5 million in consumer redress for time customers may have spent to monitor and repair their credit following a breach that exposed their personal information.
Federal laws, such as the Health Insurance Portability and Accountability Act, the Gramm-Leach-Bliley Act and the Fair Credit Reporting Act, have requirements to safeguard the privacy of personal information, and some states require notification to the state attorney general.
Instead of dispensing reams of sensitive data, choose to keep what’s private, private. In addition, Karla is the radio host for Women Network Radio, a show that aims to uplift and empower women of all walks of life. Because I am a real estate investor, having a professional tax firm who knows real estate investing on my team is a must. He requested a pledge from the Administration that noncombatants would not be targeted on U.S. He and his wife decided to settle in the southeastern Texan town of Lake Jackson, near the site of his military service.
Paul’s proposal that the Kentucky GOP establish a presidential selection caucus in March separate from the state’s May primary for other offices. If not forthcoming, you may open up your firm to serious regulatory and criminal prosecution. Your cloud services provider should act as your trusted technology adviser and, as such, give you the flexibility and time you need to focus on your investment priorities without worrying about security updates and patch controls.
If access to a file was lost in both production and DR, backups grant the ability to recover the data and continue business as usual.
This is an example of a successful case; however, many businesses lacking a backup solution are not so lucky.
While these matters have yet to be resolved, the anticipated costs of litigation and settlement may set records.
Given this ever-evolving and regulatory landscape, companies should expect an increase in third-party liability claims led by federal regulatory agencies as evidenced by a March 2015 federal court decision involving a large hotel chain wherein the court held that the FTC has regulatory authority to enforce data security practices. Karla can easily verify whether your tax preparation is on course, or recommend any fine tuning prior to the end of the tax year to maximize your tax return. I recommend Karla Dennis And Associates, Inc.™ to anyone who is looking for knowledgeable tax professionals who thoroughly understand real estate tax and business taxation. This is critical when controlling over 40 companies and over 60 investment properties all over the country. For a period, Paul was the only obstetrician in Brazoria County, and he delivered as many as 50 babies a month. In my wildest dreams, I never thought I would be so excited to have an appointment with my tax professional. But consider, that through careful planning and rigidly following the letter of the tax law, Karla will literally save us tens of thousands of dollars in taxes this year.
Karla has been a tremendous help to my family in realizing the importance of pro-active tax planning.
I give Karla Dennis and the staff members at Karla Dennis And Associates, Inc.™ the highest possible recommendation as your tax professional.



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